The price you pay for your house has a lot to do withyour income and your debt load. As a rule of thumb,most buyers can purchase a home between 1 ½ to 2½times their annual income. This will of course dependon the market prices in the area in which you areinterested.

Get your "financial picture" in order as soonas possible. To get the best mortgage rates youshould compare with different lending institutions.This will strengthen your offer when you find thatperfect home.

Buying a home is one of the most important decisions you will make in yourlifetime. Not only is it a large economic investment but it is also a placewhere you (and your family) will live and probably raise a family.

For this reason it makes sense to enlist the help of a professional Real Estatesales representative. I can help you find that home or property you arelooking for and provide information to help you make an informed choice.

What can I do for you?

Expose you to more properties

Explain the forms and agreements

Write the purchase agreement

Present the offer to the seller

Provide the benefit of working through third party for negotiation

purposes

Handle all the paperwork through closing

Track all the deadlines

I have been in Real Estate for over a decade. This is my career. I work at itfull time so I can devote all my time to help people like you who are lookingfor the right home. You can contact me at the office, or on my cell phone.

Buying a home is not an event - it's a process. The more you know about theprocess, the more comfortable you will be with the decisions you make.

CANADIAN GOVERNMENT HOMEBUYER'S PLAN:Allows you to borrow funds from your RRSP to buy your first home. If youqualify, you and your spouse can each borrow up to $20,000 from your RRSP touse as a down payment on your home.The funds must be on deposit for at least 90 days. You require a signedagreement to buy or build a qualifying home - new or resale. Your RRSP carriercan provide you with Form T1036 for completion. You can only participate inthe program once.

You've found the perfect home and it's time to makeyour offer. As your agent, I can provide currentmarket information and assist you in preparing youroffer.

I will communicate the Offer to Purchase to the selleror the seller's representative on your behalf.Type your paragraph here.

The Offer to Purchase is a legal document which specifies the terms andconditions of your offer to purchase the house. The offer can be firm orconditional.

Firm Offer to Purchase: is usually preferable to the seller because it means youare prepared to purchase the home without any conditions. If the offer isaccepted, the homes is yours!

Conditional Offer to Purchase: means you have placed one or more conditionson the purchase, such as "subject to financing" or "subject to sale of buyer'sexisting home", etc. The house is not sold until all the conditions are met.

Acceptance of your Offer: the offer will be presented as soon as possible. Theseller may accept the offer, reject it or make a counter-offer. The counter offermay be in reference to the price, the closing date, or any other variables. Theoffers can go back and forth until both parties have agreed or one of the partiesends the negotiations.

If the offer is accepted, the house is yours! You should have your lawyer makeall the final preparations for closing the sale and arrange for home insurance.On closing, the title will be transferred to you, the funds will be transferred tothe seller, and all that is left is to MOVE IN to your Home Sweet Home!

THE FIRST HOME LOAN INSURANCE PROGRAM:Allows first time buyers to purchase a home in any urban area with a downpayment of just 10% of the purchase price. * A low down payment mortgagediffers from a conventional mortgage in that is must be insured by either CHMC(Canada Housing and Mortgage Corporation or GE (GE Capital MortgageInsurance Company Canada)*(Eligibility is subject to price range limits set my CHMC/GE)Type your paragraph here.